eZ Cash is one of Sri Lanka's longest-running mobile money services, run by Dialog. Its real value is not for people who already have full bank accounts and apps — it is for the large number of Sri Lankans who want to send, receive and store money using just a mobile phone, without a traditional bank relationship. That makes it a genuine financial-inclusion tool as much as a convenience.
What you can do with it
An eZ Cash wallet sits on your mobile number and lets you hold a cash balance and move it around. The core uses are sending money to another person, receiving money, paying utility and other bills, topping up mobile reloads, and paying participating merchants. Because it is tied to your phone rather than a bank branch, it works for people far from a bank and for quick everyday transfers where opening a bank transfer would be overkill.
Cash-in and cash-out
The feature that makes mobile money work in practice is the agent network. You add money to your wallet (cash-in) or withdraw it (cash-out) at a registered agent — typically a local shop or communication centre — by handing over or receiving physical cash while the equivalent moves in or out of your wallet. This network is what lets someone without a bank account still convert between cash and digital money easily.
How to register
Registration is designed to be simple: you sign up against your Dialog mobile number, complete the basic identity verification required for a mobile wallet (your NIC), and set a PIN that secures every transaction. Once active, you operate the wallet through the menu or app, confirming each payment with your PIN.
Who it is most useful for
- People without a bank account who still need to send and receive money.
- Anyone needing quick person-to-person transfers without sharing bank details.
- Paying bills and mobile reloads from a phone, including for family members.
- Areas where agents are closer and more convenient than bank branches.
If you already use a full bank app, you will find most of these functions there too; eZ Cash earns its place where a bank account is absent, inconvenient, or simply more than the task requires. As with any wallet, keep your PIN private and confirm the recipient and amount before approving a transfer.
Benefits and Considerations
eZ Cash helps financial inclusion. It serves people without bank accounts. You get 24/7 access to transactions. Digital payments are quick and easy. Most peer-to-peer transfers are free of charge.
Reduced transaction times are a key benefit. QR code payments are very fast. USSD options are also quick. It helps in daily money management. Many services are available in one place.
Be aware of some risks. Your PIN could be compromised. This can lead to unauthorized transactions. Erroneous transfers are not reversible. Always double-check recipient details. Keep your app updated for new features.
Monitor your transaction alerts. Check SMS notifications regularly. Ensure your PIN is secure. Never share one-time passwords (OTPs). These steps help protect your money.
eZ Cash Overview
eZ Cash is Sri Lanka's first mobile money service. Dialog Axiata launched this service. It works through your mobile phone. You can use USSD code *#111# or the Genie app. This service creates a cash account for you.
There are two main account types. The Classic Account has a LKR 10,000 daily limit. The Power Account offers up to LKR 150,000 daily. You need to upgrade your Classic account for more features. The Central Bank of Sri Lanka regulates eZ Cash.
You can send money to other users. This service is free across networks like Dialog and Airtel. You can pay bills for electricity or water. Merchant payments are also possible with QR codes. Cash withdrawals are available at many outlets.